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declined liability and impairment disputes

If the insurance agent has declined liability for your claim or you disagree with the level of impairment you have been assessed at, there are ways you can dispute the decision.

If the insurance agent has declined liability for your claim or you disagree with the level of impairment you have been assessed at, there are ways you can dispute the decision.

For some initial advice, you can contact:

insurance agent declining liability for a claim

Request the insurance agent to conduct an internal review

If the insurance agent has disputed liability for your claim, you can ask the insurer for an internal review of their decision.

You can do this by completing the internal review application form that the insurance agent would have sent you along with the dispute notice.

When you fill in the application form, make sure you explain why you’re requesting the review and include any additional information you’d like considered.

The insurance agent must respond to you in writing within 14 days of receiving your request. They will either decide to accept the claim or maintain their decision to dispute liability.

Lodge an application with the Workers Compensation Commission

If you’re not satisfied with the insurance agent's decision, you can lodge an application to dispute it with the Workers Compensation Commission.

The Commission can give you more information about the process. You can contact them by calling 1300 368 040.

permanent impairment disputes

If you don’t agree with an assessment of your level of permanent impairment, you can dispute it by lodging an application with the Workers Compensation Commission.

The Commission can give you more information about the process. You can contact them by calling 1300 368 040.

Complaints and further help

workers compensation independent review office

If at any stage you’re dissatisfied with the process, you can contact the WIRO by calling 13 94 76 or visiting www.wiro.nsw.gov.au.

The WIRO has the power to investigate complaints and make recommendations about an act or omission by an insurance agent that affects your rights and responsibilities under workers compensation legislation.

They can also facilitate access to free legal advice:

independent legal assistance and review service

Although you’re responsible for your own legal costs if you dispute an insurance agent’s decision to decline liability for your claim, the WIRO has established the Independent Legal Assistance and Review Service, which provides injured workers with access to free independent legal advice through assistance grants.

You can contact the WIRO by calling 13 94 76 or emailing complaints@wiro.nsw.gov.au.